TWI343548B - Method and apparatus for automatically transferring interest into investment by use of debit service client - Google Patents

Description

1343548 - - - January 14, 2014 Correction Replacement Page VI. Description of the Invention: [Technical Field of the Invention] [0001] The present invention relates to a part of the interest that a customer needs to bear due to borrowing, and the discount is returned. The device and method for automatically investing in the investment system of a financial institution, especially the borrowing or repayment instructions incurred at the loan terminal, as the basis for calculating and adjusting the amount of daily investment input. [Prior Art] [0002] According to the general loan transaction, the interest rate is calculated by using fixed interest rate or variable interest rate; the method of calculating interest has simple interest and compound interest. However, regardless of the type of loan, the amount of money owed to financial institutions will increase with the increase of the loan amount.

[0003] In the conventional investment and financial management method, assets and liabilities belong to the parts of the barriers, and at most, they are only divided in proportion in the same part. For example, "investment-type time deposits" refers to the concept of combining "deposits" and "investment", and investing in a variety of selected commodities using the interest earned on time deposits. This kind of investment instrument is a "guaranteed capital investment". If the investment is lost, it will only lose the interest portion. The deposit will not be lost at all. However, whether it is "interest" or "investment", it is still the asset part, and the customer cannot The "guaranteed investment" is maneuvered at any time. [0004] In addition, if an "investment policy" is an insurance product that has the dual functions of "insurance" and "investment", the premiums paid by the policyholders are not all used to buy life insurance, but some are used to invest in other Financial products, "insurance" or "investment" are still part of the assets, and customers cannot maneuver the "investment policy" at any time. 093105638 Form No. A0101 Page 3 of 20 1003015181-0 1343548 Correction of replacement w' on January 14, 100 [0004] As for the general practice of financial instruments and methods for liabilities, the improvement of the traditional practice of repaying principal and interest on a regular basis, There is a so-called "financial-type housing loan": for example, the house is worth 5 million yuan after being appraised by the bank, but currently only 2 million yuan is loaned to the bank, and the remaining 3 million yuan can be used as a revolving amount. Only interest can be calculated, and it can be borrowed. The current "financial housing loan" has two different systems. The first one is within the range set by > and some of the amount is borrowed by regularly amortizing the interest. The remaining amount is considered as a reserve preparation for cyclical use. second

The kind is a kind of responsive wealth management type of housing. The bank will convert the amount of the loan that has been repaid in installments into 2 million yuan of borrowing for circulation. After a period of sugar, the one million yuan has been added to the loan. The total amount of use becomes 400

And the bank will then borrow the cash from the lender: This means that the customer can use the ATM or the bank counter to withdraw cash in a specific proportion of the credit card's credit, or ask the bank to direct the cash directly. Transfer to special "cash card": means that the customer can withdraw cash at any time in the remaining balance of the bank's loan amount of '·' * 4, or ask the bank to transfer the cash directly to the bank Specific account holder. Whether it is a "cash card", "credit card pre-borrowing cash" or "financial loan", the loan can be adjusted at any time, that is, it can be used at any time. Interest is not calculated, but they are still in the debt position, and assets and liabilities are still not automatically converted. SUMMARY OF THE INVENTION [0006] The main purpose of the present invention is to use the borrowing or repayment instructions incurred at the loan terminal as a dynamic calculation and adjust the daily investment input 093105638 Form No. A0101 Page 4 of 20 1003015181 -0 1343548 January 14, 100 Revision 1 The basis for replacing the amount of the page, so that part of the interest due to the liability can be automatically converted into investment, so that the debtor can not only borrow and return, but also Borrow investment. The secondary purpose of the present invention is to enable the debtor to have the opportunity and the easier investment through the present invention to obtain the dual effects of increasing assets (increased investment) and reducing liabilities (reducing interest), and is expected to improve liabilities. The financial situation of the person, and the creditor (bank) can also expand the size of the wealth management market, and increase the degree of protection of the creditor's rights.

Therefore, in order to achieve the foregoing objectives, the present invention mainly provides an apparatus and method for automatically generating an investment by using a loan terminal, the device comprising a loan terminal, a financial unit host, a central computing unit, a database, an investment system, A debt system. The method comprises the following steps (withdrawal status): the customer issues a withdrawal instruction at the loan terminal; the financial unit host receives the withdrawal instruction; the withdrawal instruction is submitted to the central operation unit for checking and recording; the central operation unit checks the database Customer data; whether it is a customer; start "reject withdrawal" processing; whether the customer loan amount is sufficient; the central computing unit calculates the new loan balance, the amount of interest per share, and records it in the database; The unit transmits the bill issuing instruction and the daily interest amount to the financial unit host; the financial unit host notifies the loan terminal to start "notes"processing; the financial unit host multiplies the customer's daily interest amount by the financial institution and the customer The feedback ratio is used to calculate the daily investment amount; the financial unit host notifies the investment system of the customer's daily investment amount; the financial unit host notifies the debt system of the customer's new loan balance. The method further includes the following steps (repayment status): the customer issues a repayment instruction at the loan terminal; the financial unit host receives the repayment instruction; the repayment instruction is handed over to the central operation 093105638 Form No. A0101 Page 5 of 20 1003015181-0 1343548 January 14, 100, the nuclear replacement of the k unit check and record; the central unit checks the customer data in the database; whether it is a customer; start "reject the transaction" processing; the central unit calculates the new Loan balance, daily interest amount, and recorded in the database; the central unit transmits the new loan balance, the daily interest amount to the financial unit host; the financial unit host informs the loan terminal to start " repayment success" The financial unit host multiplies the customer's daily interest amount by the financial institution's agreed return ratio to the customer to calculate the amount of each investment; the financial unit host notifies the investment system of the customer's daily investment amount; the financial unit host will The meal: + gradually. The balance of the loan balance notice Φ·'

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0007] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT(S) The following is a schematic view of a preferred embodiment of the present invention.

The second figure is a schematic diagram of the preferred method and processing steps of the present invention. Y;rf"i '^0. The third figure is a schematic diagram of the method and processing steps in the case of better corruption, case, and smog. Referring to the first figure, the device for automatically generating investment by using the capital terminal of the present invention provides: a loan terminal (10) such as an automatic depositing and withdrawing machine, a financial institution counter, a telephone banking, an internet banking, etc., the customer can Identity document, financial card, credit card, cash card, encrypted voucher disk (card), chip card, account number and password, loan contract, etc., as customer identification and authentication at the loan terminal. Form No. A0101 093105638 Page 6 of 20 1003015181-0 1343548 January 14, 2014 Nuclear Replacement Page 1 Financial Unit Host (20), which contains a central computing unit (30) and a database (40). To store, compare, log in, store, and transmit transaction information by storing multiple accounts including account number, password, loan amount, loan balance, interest balance, transaction record, etc., and receiving instructions from the loan terminal. Back to the loan terminal, calculate and transfer each investment amount to the investment system and the new loan balance to the debt system.

An investment system (50) is configured to receive the daily investment amount of the customer from the financial unit host, and automatically invest the amount into the investment on a daily basis. A debt system (60) is configured to receive the amount of interest per customer from the financial unit host and automatically update the interest balance based on the amount on a daily basis. The method of the present invention includes the following steps (second figure) when the customer withdraws money: A. The customer steps the withdrawal instruction at the loan terminal (10) (201);

B. The financial unit host (20) receives the withdrawal instruction step (202) C. The withdrawal instruction is handed over to the central operation unit (30) for checking and recording (203); D. The central operation unit (30) checks the database (40) Steps of customer information (204); E. Steps to determine whether it is a customer (205); F. Start "Reject withdrawals" Processing steps (206); G ·Check if the customer loan amount is sufficient Step (208); 093105638 Form No. A0101 Page 7 of 20 1003015181-0 1343548 Correction of replacement page on January 14, 100. The central operation unit (30) calculates the new loan balance and daily interest amount. And recorded in the database (4〇) step (2〇9); I. Central arithmetic unit (30) to pass the bill issuing instruction, the daily interest amount to the financial unit host (20) step (21〇); J The financial unit host (20) notifies the loan terminal (10) to start "note issuing" processing step (211); Κ. The financial unit host (2〇) multiplies the customer's interest amount per share by the financial institution and the customer The agreed feedback ratio to calculate the amount of each investment (212); Financial investment amount per unit area will respect the investment notification system (50) "offer step (213 *

Balance of funds overnight * Financial unit host (2 steps of knowing the debt system (60) (2# The method of the present invention, the steps are listed when the customer repays (third figure) A · The customer is at the loan terminal (definitely (4) ^ far_steady step step (301);, -oertv B. financial unit host (20> 匕 | | 欠 欠 欠 欠 欠 欠 欠 欠 欠 欠 欠 ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' Steps of checking and recording (303); D. The central computing unit (30) checks the customer data in the database (4) (304); E. determines whether the customer is a step (305); .F. Customer, Start "Reject Transaction" Processing Steps (306) 093105638 Form, No. A0101 Page 8/Total 20 Page 1003015181-0 1343548 loo Year οι月 14 Revision Correction Page G. Central Computing Unit (3〇) Accounting The new balance of funds, the amount of interest per share' is recorded in the database (4〇) step (3〇8); Η · The central unit (30) passes the new loan balance and the amount of interest per share to the financial unit Host (2〇) steps (3〇9); I. Financial unit host (20) informs the loan terminal (1〇) to start &q Uot; repayment success "processing step (3 1 〇); J. financial unit host (20) multiplies the customer's daily interest amount by the financial institution's agreed return ratio to the customer to calculate the amount of each investment Step (311); Κ The financial unit host (2〇) notifies the investment system (50) of the customer's daily investment amount (312); L. The financial unit host (2〇) the customer's new loan balance The step (313) of notifying the debt system (60). [0008]

To illustrate the effect of achieving the object of the invention through the implementation of the present invention, an example is as follows: Suppose a customer successfully withdraws NT$100,000 from a loan terminal through the device and method of the present invention on July 22, the loan name The interest rate is 20%, and the return ratio agreed between the financial institution and the customer is 20%, which means that the actual interest rate of the financial institution is 16% (2〇%χ (1-20%) = 20%χ80% = 16% The investment system's portfolio assumes that the recent stock index option is the subject of investment. The customer's interest per share is 55 yuan (100,000 χ 20% + 365 and 55), so the amount of each investment is calculated as 11 Yuan (55χ20% = 11), when the customer's interest rate is 822 yuan (1,00,000 parent 20仏15 + 365 and 822) after August 5, and the automatic return to the investment of the investment system investment The capital gain is 292 yuan', so the actual interest paid by the customer is 530 yuan (822-292 = 530) 093105638 Form No. Α0101 Page 9 / Total 20 pages 1003015181-0 1343548 January 14th, according to the replacement of the mu' Converted to an annual interest rate of 13%, which means financial institutions can take 16% of interest, and the customer (lender) but can be reduced to 13% from 20% of interest, whereby it can be described through the embodiments of the present invention can achieve the intended purpose. [0009]

BRIEF DESCRIPTION OF THE DRAWINGS The first figure is a schematic diagram of a device system and a flow chart of a preferred embodiment of the present invention. The second figure is a schematic diagram of the method and processing steps in the borrowing situation of the preferred embodiment of the present invention. The third figure is a schematic diagram of the method and processing steps in the repayment state of the preferred embodiment of the present invention. · · _,; [Main component symbol description 1. ^ [0010]

Loan Terminal Financial Unit Host (20) Central Computing Unit (30) Database (40) Investment System (50) Debt System (60) Start (2 0 0)

The customer issues a withdrawal instruction at the loan terminal _ order (2 (ίΤ) The financial unit host receives the withdrawal instruction (202) The withdrawal instruction is submitted to the central operation unit for verification and record (203) The central operation unit checks the customer data in the database (204) ) Is the customer (205) Start "Refuse to withdraw" Process (206) End (207) Is the customer loan amount remaining sufficient (208) 093105638 Form No. 1010101 Page 10 of 20 1003015181-0 1343548 100 Year 01 On the 14th, the revised replacement page central computing unit calculates the new loan balance and daily interest amount, and records it in the database (209). The central operation unit transmits the billing instruction and the daily interest amount to the financial unit host (210). The unit host notifies the loan terminal to start "notes II processing (2 1 J) The financial unit host multiplies the customer's daily interest amount by the financial institution's agreed return ratio to the customer to calculate the daily investment amount (21 2 ) The financial unit host notifies the investment system of the customer's daily investment amount (213)

The financial unit host notifies the debt system of the customer's new loan balance (214). (300) The customer releases the repayment order at the loan terminal (301) The financial unit host receives the repayment instruction (3〇2) The repayment instruction is handed over to the central government. Computation of the unit and record (3〇3) The central unit checks the customer data in the database (304) whether it is the customer (305) Start "Reject the transaction" Processing (3 0 6)

End (307) The central unit calculates the new loan balance and daily interest amount and records it in the database (308). The central unit transmits the new loan balance and the daily interest amount to the financial unit host (309). Inform the loan terminal to start "Repayment success" Processing (31〇) The financial unit host multiplies the customer's interest amount per share by the financial institution's agreed return ratio to calculate the daily investment amount (311) 093105638 The host informs the investment system of the customer's daily investment amount (3: Form No. A0101 » 11 -S/4L 9Π -s Page 11 / Total 20 pages 1003015181-0 1343548 Correction replacement page on January 14, 100

The financial unit host notifies the debt system of the customer's new loan balance (313)

093105638 Form No. A0101 Page 12 of 20 1003015181-0

Claims (1)

1343548 January 14, 100 child replacement page VII. Patent application scope: 1. A device for automatically generating investment by using a loan terminal, the device comprising: a loan terminal for the customer to issue a loan, a repayment instruction, and Receiving a message returned by a financial unit host for financial transactions; A financial unit host, comprising a central computing unit and a database for storing a plurality of accounts including account numbers, passwords, loan quotas, loan balances, interest balances, transaction records, etc., and receiving instructions from the loan terminal, It will be used as an operation, comparison, login, storage, transfer transaction information back to the loan terminal, and simultaneously calculate and transfer the daily investment amount to the investment system and the new loan balance to the debt system; an investment system for receiving financial units The daily investment amount sent by the host, and the amount is automatically invested into the investment on a daily basis; and a debt system for receiving the daily interest amount from the financial unit host, and automatically updating the interest balance based on the amount on a daily basis. 2. Automatically generate investment using the loan terminal as described in item 1 of the patent application scope. The device, wherein the central computing unit is a calculator for calculating the daily interest amount of individual customers, calculating the daily loan balance of individual customers, calculating the daily investment amount of individual customers, and checking customer data. 3. A device for automatically generating an investment by using a loan terminal according to item 1 of the patent application scope, wherein the loan terminal is an automatic depositing and withdrawing machine. 4. A device for automatically generating an investment using a loan terminal according to item 1 of the scope of the patent application, wherein the loan terminal is a financial institution counter. 5. A device for automatically generating an investment using a loan terminal according to item 1 of the scope of the patent application, wherein the loan terminal is a telephone bank. 6. Automatically generate investment 093105638 using the loan terminal as described in item 1 of the scope of the patent application. Form No. A0101 Page 13 of 20 1003015181-0 1343548 The device of the revised replacement page of January 14, 100, where the loan terminal is For an internet bank. ' 7. A device for automatically generating investment using a loan terminal according to item 1 of the scope of the patent application, wherein the investment system uses the daily investment amount for investing in stocks, mutual funds, futures, options, demand deposits, time deposits, A type of bond, foreign exchange, real estate securities, derivative financial products, or a combination of more than one. A device for automatically generating investment using a capital terminal according to item 1 of the patent application scope, wherein the debt system is a system for sharing a database with a financial unit host. ..., into *'> 'In accordance with the scope of the patent application policy: Fan said that the terminal automatically generates an investment of 10. The debt system depends on the database and the financial unit host, such as the scope of patent application Item or Library system, mapping relationship. A device that automatically generates an investment using a loan terminal, wherein the daily investment amount is used by the financial institution to repay individual customers and is allocated to the screening customer for the amount of investment, which is less than the amount of interest per individual customer. o! 11. An automatic production method using a loan terminal includes the following steps: Ο 丨 丨 丨 A A customer sends a withdrawal instruction at the loan terminal; B. The financial unit host receives the withdrawal instruction; C • The withdrawal instruction is handed over to the central operation unit Check and record; D·Central computing unit check customer data in database; E·Central computing unit judges whether it is customer; F · Start for non-customer "Reject withdrawals"Processing; and G · End. 12. A method for automatically generating investment using a loan terminal, the method comprising the following 093105638 Form No. A0101 Page 14 / Total 20 pages 1003015181-0 1343548 January 14, 2014 Nuclear replacement page Steps: A·Customer in charge The terminal issues a withdrawal instruction; B. The financial unit host receives the withdrawal instruction; C. The withdrawal instruction is submitted to the central computing unit for verification and recording; D. The central computing unit checks the customer data in the database; E. The central computing unit determines whether Customer; F. The central computing unit determines whether the customer loan amount is sufficient; G. For customers whose margins are insufficient, start "reject withdrawals""processing; and Η · end. 13. A method for automatically generating an investment by using a loan terminal, the method comprising the following steps: A: a customer issues a withdrawal instruction at a loan terminal; B. a financial unit host receives a withdrawal instruction; C. a withdrawal instruction is submitted to the central operation unit for verification D. The central computing unit checks the customer data in the database; E. The central computing unit determines whether it is a customer; F. The central computing unit determines whether the customer loan amount is sufficient; G · The customer loan amount is sufficient, the central computing unit Calculate the new loan balance and daily interest amount according to the withdrawal instruction, and record it in the database. · The central operation unit transmits the bill issuing instruction and the daily interest amount to the financial unit host; I. The financial unit host informs the loan terminal to start &quot ; issued notes "processing; and J · end. 14 According to the application of the patent scope, the use of the loan terminal automatically generates 093105638 Form No. 1010101 Page 15 / Total 20 pages 1003015181-0 1343548 January 14, 2014 Nuclear replacement page investment method, wherein the I step further includes financial The unit host multiplies the customer's daily interest amount by the return ratio agreed between the financial institution and the customer to calculate the daily investment amount, and then informs the investment system of the customer's daily investment amount, and the investment system increases according to the customer's daily investment amount. The proportion of the customer's portfolio in the investment system. 15. A method of automatically generating an investment using a loan terminal according to claim 13 of the scope of the patent application, wherein the step I further comprises the financial unit host notifying the debt system of the new loan balance of the customer. Φ 16 A method for automatically generating a search for money by means of a fund terminal, the method comprising the following steps: ?:::;; A. The customer releases the i at the loan terminal B. The financial unit host receives the repayment C · the repayment instruction It is judged by the central transporter D·central computing unit that the customer E·central computing unit in the database determines whether it is a customer; F. For non-customers to start "reject π·纴. , eight; V VJ νΌ ic rrl 17 . An automatic arm production method using a loan terminal, the method comprising the following steps: a) the customer issues a repayment instruction at the capital terminal; B. the financial unit host receives the repayment instruction; C * the repayment instruction is handed over The central computing unit checks and records; D·the central computing unit checks the customer data in the database; E·the central computing unit determines whether it is a customer; F·calculates the new loan balance, the amount of interest per share for the customer central computing unit, and records In the database; 093105638 Form number A0101 Page 16 / Total 20 pages 1003015181-0 1343548 January 14, 2014 Nuclear replacement page G · Central computing unit to pass the new loan balance, daily interest amount to the financial unit host. The financial unit host informs the loan terminal to start "payment success"processing; and I · end. 18. A method for automatically generating an investment using a loan terminal according to claim 17 of the scope of the patent application, wherein the step further comprises: the financial unit host multiplying the amount of interest per customer by the ratio of the return of the financial institution to the customer to calculate The daily investment amount is then notified to the investment system of the customer's daily investment amount, and the investment system reduces the customer's investment portfolio in the investment system based on the customer's daily investment amount. 19 · A method for automatically generating an investment using a loan terminal according to claim 17 of the scope of the patent application, wherein the step further comprises the financial unit host notifying the debt system of the new loan balance of the customer. 093105638 Form Number Α0101 Page 17 of 20 1003015181-0